TBD NE 236 TERRACE, FORT MC COY, FL, 32134
Active215 days on marketListed Jan 8, 2026MLS #OM716278
About this home
TBD NE 236 TERRACE
Affordable .22 acres in Ft McCoy, FL zoned R-1 for single-family residential homes. Conveniently located near Lake Kerr. This lot offers a peaceful setting on a quiet road - ideal for buyers seeking privacy or investors looking for affordable land opportunities and future development. This property is perfect for a home, retreat or long-term hold in the rapidly growing Florida market
Facts & features
The home at a glance
0.22 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$314 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$314/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Fort Mc Coy
Get to know Fort Mc Coy. See the full Fort Mc Coy guide →
FORT MC COY 32134 — neighborhood snapshot
Population
7,400
Median age
55
Median income
$46,429
Median home value
$145,500
Avg household
2.3
Households w/ children
570
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fort Mc Coy market
$240K → $111K
Fort Mc Coy median sold, yr/yr
91.6%
Sale-to-list ratio (12 mo)
Median sold price, Fort Mc Coy, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 60% below the FORT MC COY 32134 median. See the full Fort Mc Coy market guide →
Paper trail
This home's history
Reality check
What actually sold near TBD NE 236 TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$57,000
23548 NE 120TH STREET
1 bd · 1 ba · 552 sqft · $103/sqft · 8 DOM
Sold · Jun ’26$80,000
24905 NE 130TH STREET
3 bd · 1.5 ba · 720 sqft · $111/sqft · 0 DOM
Sold · May ’26$90,000
24839 NE 130TH STREET
2 bd · 1.5 ba · 1,038 sqft · $87/sqft · 205 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about TBD NE 236 TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for TBD NE 236 TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
TBD NE 236 TERRACE FAQs
What would the monthly payment be for TBD NE 236 TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $314/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on TBD NE 236 TERRACE?+
The most recent tax bill on record (2025) was $175. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Fort Mc Coy?+
At $22,000, this home is listed about 87% below the Fort Mc Coy median of $172,450. The market section on this page shows how the area is trending.
Which schools are assigned to TBD NE 236 TERRACE?+
Fort McCoy School (elementary), North Marion High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the FORT MC COY 32134 market on paper
$22,000 is 60% below the FORT MC COY 32134 median of $55,000.
02Time on market is leverage
215 days on market against a Fort Mc Coy median of 30 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $24,900, now $22,000 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PROPERTIES · Dava Peters. MLS #OM716278.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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